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Looking for a reverse mortgage specialist in Lompoc? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Lompoc, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 5 reverse mortgage specialists in Lompoc, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Leachman Home Loans
100 E Ocean Ave, Lompoc, CA 93436
8057358687
Chase Home Lending
1508 N H St, Lompoc, CA 93436
3032444050
Homebridge Financial Services, Inc.
112 N H St Suite 114, Lompoc, CA 93436
8052467614
Envoy Mortgage - Lompoc, CA
3775 Constellation Rd Suite 3, Lompoc, CA 93436
8059441812
Main Stream Financial
1137 N H St M, Lompoc, CA 93436
8057358687
A reverse mortgage specialist in Lompoc California helps homeowners aged 62 and older convert home equity into tax-free funds without monthly payments. California law requires borrowers to complete HUD-approved counseling before obtaining a Home Equity Conversion Mortgage or HECM. Lompoc residents can use these funds for home repairs medical expenses or supplementing retirement income.
What Does a Reverse Mortgage Specialist in Lompoc Cost?
Costs for a reverse mortgage specialist in California typically include an origination fee of up to 6000 dollars a mortgage insurance premium of 2 percent of the home value and third party costs like appraisal title and recording fees ranging from 3000 to 8000 dollars. Total closing costs often fall between 10000 and 20000 dollars depending on the home value. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a reverse mortgage specialist in Lompoc?
A reverse mortgage specialist is a licensed professional who guides Lompoc homeowners through the HECM process. They explain eligibility requirements loan terms and repayment rules under California and federal law.
What are the California requirements for a reverse mortgage?
California requires borrowers to be at least 62 years old own their home outright or have low mortgage balance and complete a HUD-approved counseling session. The home must be the primary residence and meet FHA property standards.
How does a reverse mortgage affect my heirs in Lompoc?
Heirs can keep the home by paying off the loan balance or selling the property. If the loan balance exceeds the home value heirs are not personally liable for the difference under California law.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.